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General Discussion / Re: What made you Smile - 2025
« Last post by Fizzie on Yesterday at 08:44:35 PM »
Some of the personalised plates we spotted yesterday!

HLUXRY on a Hi-Lux was clever (although I'm not sure that Hi-Lux & "Luxury" actually go together ???)

M1SF1T & V4ND4L were both a worry though, especially as they way they were being driven matched their "names"!  :o ::) >:(  s
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General Discussion / Re: Fraser Island
« Last post by gronk on Yesterday at 03:06:30 PM »
Last time we went we took a Ute load of wood and had open fires…..at Dilli  Village. It’s not part of the Nat park.
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by Rowlie on Yesterday at 09:04:07 AM »
Bird - further to my response to your question yesterday re insurance. I have analysed Australian Seniors pds and compared against RACV.

For the premiums involved Aust Snrs has some shortfalls that concern me. The main one is the Removal of Debris limit of $10k or $15k depending what option of cover you choose. This could leave an insured dramatically short. Most / many limit this to 20% of the sum insured but RACV is not limited other than what they agree to in order to clear the site. Disposing of fire damaged materials is exhorbitantly expensive now and limited to only one or two sites around Melbourne. As a property owner you would be obliged to clear the site regardless of what your insurer covers. The Aust Snrs cover wouldn't go close to covering it.

Water damage, theft limits, little things like alcohol, bikes etc etc are all much better under RACV (and most other insurers for that matter).

I  incorrectly assumed that Aust Snrs would be akin to Australian Pensioners which is quite a good cover but sadly I was wrong. It is little more than a very basic policy.

Rowlie
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by Fizzie on Yesterday at 08:03:08 AM »
When I renewed our H&C a month or so back, I went with Budget Direct.

& as I put: http://www.myswag.org/index.php?topic=41624.msg1068730#msg1068730, upping the excess had quite an effect! ;D
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by xcvator on July 14, 2025, 05:01:18 PM »
Combank insurance is underwritten by Holland
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by Rowlie on July 14, 2025, 04:50:09 PM »
Pays to ring around
Anyone experience with Aus Seniors Insurance?

House and contents due and they seem competitive $$$

RACV -
Annual $1631

Aus Seniors
Annual $1731

Shannons
Annual $2445

AAMI  (current insurer)
Mth $2424

Seems quite a difference which usually concerns me..

Thoughts

Australian Seniors is underwritten by Hollards - a South African coy. Been in Oz for about 15 years. They underwrite Club 4x4 and KT in the offroad motor market too. The coy you would be dealing with is just the distributor or Authorised Representative. Shannons and AAMI are both Suncorp coys and RACV is sort of CGU. Personally I would choose RACV out of the 4 you have listed. They generally try a bit harder because their customers are club members. I haven't checked Aus Seniors pds but because it is aimed at the o55s it is probably ok. The demographic has better claims experiences and that is why the lower premiums.

Rowlie
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by Bird on July 14, 2025, 04:29:49 PM »
Pays to ring around
Anyone experience with Aus Seniors Insurance?

House and contents due and they seem competitive $$$

RACV -
Annual $1631

Aus Seniors
Annual $1731

Shannons
Annual $2445

AAMI  (current insurer)
Mth $2424

Seems quite a difference which usually concerns me..

Thoughts
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by jclures on July 14, 2025, 03:30:27 PM »
The hook is hanging in the correct way in the picture, they make two size hooks for the chain size.
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General Discussion / Re: The Random Question of the Day Thread...
« Last post by Bird on July 14, 2025, 03:17:13 PM »
This one came up on a youtube ad.. Interesting hitch /

Shocker Air Hitch with Combo Ball Mount (2" & 2-5/16" Balls), Fits 2-1/2" Hitch - 12,000 lbs, SH-620-250

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[quote author=Swannie link=topic=59310.msg1069130#msg1069130 date=17522
As we age Myswag becomes even more improtant for many. its a connection that is hard to replicate on social media or other platforms due to the history and memories
Swannie
[/quote]
This I agree with, and it is a very valid point, although there are a few of us that do keep in touch through social media, not as in a group, but commenting on others posts.
The banter is there, the  p155 taking,  and there is the asking if you are alright, the concern, the sharing of personal achievements, disappointments, travels.

I also acknowledge the wealth of information that is available and the giving of advice/knowledge that members have freely given over the 15 odd years I have been a member.
I don't have a problem with a subscription fee, or even advertising if it isn't too in ya face.
I do need to give a shout out to the mods, you do a great job, thank you.

I guess, the last 5 years has had an impact on life, Fires, Floods, Covid, more floods, and many people stepped back from life, yet social groups became more improtant as people needed to connect, stay connected with life.
As in my first reply to this post, I'm happy which every is decided.
 Cheers.

You don't use magic to disappear, ya use a 4x4 & Swag.
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